How Much Do Medicare Part C (Medicare Advantage) Plans Cost in Each State?

In 2018, the average monthly premium for a Medicare Part C (Medicare Advantage) plan nationwide was $35.55 per month, and the median premium cost was $32.53 per month.1

It's important to note that these averages are weighted. Many Medicare Advantage beneficiaries (45 percent) pay no premium for their Medicare Advantage plan.2

You can use this guide to find out the average cost of Medicare Advantage plans in your state, and you can learn more about how a 2019 Medicare Advantage plan can help cover some of your health care costs.

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What is the average cost of Medicare Advantage plans by state?

As you can see in the chart below, the average cost of a Medicare Part C plan can vary significantly from one state to another.

In fact, plan prices and availability can vary by county or service area.

As noted above, the average costs listed below are weighted. Medicare Advantage plans in many areas feature $0 premiums, depending on where you live.

*Medicare Advantage plans are not sold in Alaska. Data was not made available for Wyoming or Washington, D.C.

State Average Weighted Monthly Cost Rank
from least expensive (1) to most expensive (48)
Alabama $22.99 15
Alaska No plans available N/A
Arizona $8.63 3
Arkansas $26.46 19
California $32.87 25
Colorado $19.98 13
Connecticut $39.20 28
Delaware $38.68 27
District of Columbia Data not available N/A
Florida $3.34 1
Georgia $17.01 11
Hawaii $88.10 45
Idaho $63.46 39
Illinois $20.15 14
Indiana $25.97 17
Iowa $7.62 2
Kansas $15.34 9
Kentucky $48.58 32
Louisiana $8.88 4
Maine $16.82 10
Maryland $60.41 37
Massachusetts $96.58 46
Michigan $53.48 35
Minnesota $131.73 48
Mississippi $23.83 16
Missouri $10.96 8
Montana $68.42 43
Nebraska $10.94 7
Nevada $10.45 6
New Hampshire $34.32 26
New Jersey $26.09 18
New Mexico $29.04 21
New York $46.89 31
North Carolina $50.10 34
North Dakota $104.04 47
Ohio $30.23 23
Oklahoma $32.53 24
Oregon $61.01 38
Pennsylvania $78.60 44
Rhode Island $41.85 29
South Carolina $29.35 22
South Dakota $66.97 41
Tennessee $42.72 30
Texas $10.11 5
Utah $27.40 20
Vermont $17.10 12
Virginia $49.32 33
Washington $67.53 42
West Virginia $54.37 36
Wisconsin $66.11 40
Wyoming Data not available N/A

Learn more about Medicare Advantage plans in your state.

What affects Part C plan costs?

Several factors can affect the average cost of a Medicare Advantage plan, such as the benefits offered, where you live and the cost sharing requirements that the plan includes.

  • Location
    Medicare Advantage plans are sold by private insurance companies who can set their plan premiums according to local market competition.

    There may be more insurance companies who offer Medicare Part C plans in certain areas, which could potentially result in lower average premiums in that area.

    According to data from the Centers for Medicare & Medicaid Services (CMS), 2018 Medicare Advantage plans in Florida had the lowest average monthly premiums ($3.34 per month). 2018 Medicare Advantage plans in Minnesota had the highest average premiums ($131.73 per month).

  • Benefits
    Medicare Part C plans cover at least the same benefits that Original Medicare (Part A and Part B) offers.

    Most Medicare Advantage plans offer additional benefits that Original Medicare doesn’t cover. These benefits may include prescription drug coverage, routine dental and vision care, SilverSneakers membership and even home modification. Not all benefits are available in all plans — benefits can vary widely.

    Medicare Part C plan costs can be influenced by the benefits the plan offers.

  • $0 premiums
    Some Part C plans offer $0 premiums. If your area offers more $0 premium plans than other areas, the overall average cost of Medicare Part C in your state may be lower.

How much are Medicare Advantage deductibles, coinsurance and copayments?

Premiums are just one of the costs that can be associated with Medicare Part C plans. Other costs, which can vary from one plan to another, can include:

  • Deductibles
    Your Medicare Advantage plan deductible is the amount you must pay for covered services out of your own pocket during a calendar year before your Medicare Advantage plan coverage kicks in.

    Some Part C plans include $0 deductibles.

  • Coinsurance or copayments
    Your Medicare Advantage plan coinsurance or copay is the portion of the bill that you must pay after you meet your annual deductible (if applicable).

    Coinsurance is generally a percentage of the bill, while copayments are typically a flat fee.

Do I need Medicare Part C?

When shopping for a Medicare Advantage plan, you may want to consider the types of health coverage you need and find a plan that matches what you’re looking for.

As mentioned above, Medicare Advantage plans can offer a range of benefits that may include some or all of the following:

Remember, not all plans offer these benefits. Benefits can vary widely by plan.

A licensed insurance agent can help you compare the average cost of Medicare Part C plans in your area.

They can also help you explore your plan options to find out whether your doctor accepts a Medicare Advantage plan in your area and if your prescription drugs are covered by a plan.

 

Compare Medicare Advantage plan costs in your area

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Copyright © 2019 TZ Insurance Solutions LLC. All rights reserved.

1 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, May 2018. Data retrieved from www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn.

2 Jacobson, Gretchen; et al. A Dozen Facts About Medicare Advantage. (Nov. 13, 2018). Kaiser Family Foundation. Retrieved from www.kff.org/medicare/issue-brief/a-dozen-facts-about-medicare-advantage.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts; enrollment in any plan depends upon contract renewal.

Plan availability varies by region and state. For a complete list of available plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.